Naples, Cape Coral, Fort Myers, Lee & Collier Counties
The State of Florida REQUIRES
insurance companies to offer REDUCED
RATES for certain wind mitigation features. We specialize
in inspections for the insurance industry (wind mitigation inspection/4-point
inspection). Let our professional staff help you lower your windstorm
premiums. By simply contacting us, we can determine whether or not you
are eligible for wind mitigation discounts that can save your up to 50% off your
insurance companies offering discounts?
legislation adopted provisions for a new statewide building code (the
2001 Florida Building Code), which became effective on March 1, 2002. The
same legislation included a requirement for insurance companies to
provide property insurance discounts for homes that have construction
features that reduce the losses in windstorms. Each insurance company was
required to submit new rates by February 28, 2003 and include discounts
for wind damage reduction (mitigation) construction features.
The discounts are
justified because stronger, more wind-resistive houses have lower
windstorm losses, and lower windstorm losses means reduced costs to
insurance companies. The insurance discounts provide some financial
incentives for homeowners to strengthen their existing homes and for new
construction to be built to the strongest options in the Florida Building
Code. These new insurance rate discounts in Florida begin to take place
in 2003. They apply to both existing construction (houses built prior to
2002) and new construction built to the new statewide Florida Building
To qualify for
these discounts, most insurance companies require a certification of the
key construction features.
construction features qualify for discounts?
figure shows typical features that reduce wind damage. Over 90% of
existing houses have one or more of these wind resistive construction
features and may qualify for some insurance discounts. In addition,
houses built after 1994 in Miami-Dade or Broward Counties and houses
built after 2002 in the rest of the state generally have many wind
resistive construction features and will likely qualify for significant
items are building features that reduce wind damage for which many
insurance companies offer wind premium discounts. To learn more about
each of these categories, click on the highlighted portion of the text.
1. Roof coverings, such as shingles that meet the FBC
2. Roof decks that have been installed with large nails
and close spacing.
3. Hurricane clips/straps that hold the roof structure to the
4. Protection of Openings such as windows and glass doors with
impact resistant glazing or other protection systems.
Water Resistance that prevents the roof from leaking if the roof covering is
blown off in a windstorm.
6. Newly Constructed Homes built to the
Florida Building Code since March 1, 2002
7. Homes built to the South Florida Building
Code in Miami-Dade and Broward Counties after 1994.
What is the
value of the Insurance Discounts?
The dollar value
of the discounts depends on three primary factors.
1. The number of wind resistive construction
features present on your home - Some individual features may qualify for 10% discount and
others only a few percent. The more wind resistive features you have, the
higher total discount will be. The discounts can be as high as 30% or
more of the wind portion of the insurance premium. (The portion of your
premium that is for wind losses is provided on your policy declaration
2. The location of your home - Wind insurance rates vary by location
within the state. If your wind insurance rates are high, then the
percentage discounts will result in more dollars for a house in a high
rate area versus the same house in a lower rate area.
3. The value of your home - Discounts are calculated as a
percentage of the wind premium for your specific home. High value homes
have higher premiums, hence, the dollar value of
the discounts will increase as the value of the home increases.
insurance agent or company to determine the potential value of the
discounts for your house.
How is a Wind
Certification Survey Conducted?
At the scheduled
time, the inspector will arrive on site and complete the survey. As part
of the survey, the surveyor will also conduct a survey of the attic and
use a device to identify the roof deck attachment pattern, framing
details, and roof-wall connection.
The results of the
survey are forwarded to our main office for processing.
- Completed forms for you
to submit to your insurance company to qualify your home for
insurance discounts for any of the wind resistance features that are
on your home are forwarded to you via e-mail or regular mail.
Typically, it is
the homeowner responsibility to forward these papers to their agent or
How much is a
Wind Certification Survey?
For houses with
less than 5000 square feet (under roof), the cost of a survey is $150. The
cost increases for larger houses.
Living Space of Building
0- 4999 square
5000 - 9999
feet and more
Wind Mitigation Inspection
A Wind Mitigation Inspection is a valuable inspection
service that may reduce your windstorm insurance. Wind Insurance
discounts are available for building features that reduce damage during
high wind events. The Wind Mitigation discounts are justified because
stronger, more wind-resistive structures have lower windstorm losses,
which mean reduced cost to insurance companies. Most existing structures
have one or more wind resistive construction features and may qualify for
some Wind Mitigation discounts.
Wind Mitigation Inspections are available for all single
family homes, townhouses, condos and commercial buildings. Homeowner's
and condo associations also qualify for wind mitigation credits. Call
your Home Owners Insurance Company to see if a Wind Mitigation Inspection
would be recommended.
>> Request a Wind Mitigation Inspection